head of the Federal Bailiff Service Arthur Parfenchikov and president of the Association of Russian Banks, Garegin Tosunyan signed an agreement in which including the agreement to be friends, not only houses, but also information databases. Now banks will be able to seek help on a man who had asked for a loan, and in the service of court bailiffs. So if a citizen has had some trouble with debts, new loans from it will save. In turn, the bankers will not hide the account debtors from bailiffs.

– On the one hand – this is the formation of a credit culture, because we are not only specific enforcement proceedings to recover the loan, but the prevention of conflict itself, which produce these documents, – said Arthur Parfenchikov. – We’ve just come to realize the concept of “credit history”. On the other hand – the banks are carriers of information on the vast majority of debtors.

According to him, although the interaction is constructed in accordance with the law, there remain a number of urgent issues that need to be discussed. Because of bank secrecy, too, no one has repealed. While at the Police also have certain powers at the expense of disclosing financial secrets of debtors.

Under the agreement the banks will be marshals to provide information only in the amount of claims of executive document. How many people have so many and we must find.

However, some experts fear does not hurt if customers of banks unnecessary information from the bailiffs. For example, were once a person has problems, but it honestly all payments and bailiffs did not have him long run. But in terms of the banks is like pure dirt, they’re not philanthropists, why should give money to a man who appeared to be inaccurate debtor?

Initiative of the agreement came from the bankers themselves – Committee of the Association of Russian Banks mortgage. I originally planned to solve the problem exactly in the area of mortgage lending. However, as told to “WP” in the association, during the preparation of the document it became clear that it will be important for other banking sectors.

– We are interested in the performance of bailiffs has increased – he said ” WG “chairman of the Committee of the Association of Russian banks mortgage Andrei KRYSIN. – The chain of interaction creditors – ushers – implementers of the arrested property must work quickly. This, incidentally, and in the interest of the debtor. After all, if the implementation is delayed, he is sinking deeper into debt trap due to the impinging percent.

Also, he said, it is necessary to establish the Association of Russian banks’ information center, which could quickly find the account of a person . It is clear that the bailiffs can not send requests absolutely in all banks. It is physically impossible. So today bailiff wrote queries in the most prominent banks, as well as trying some other way to find out where the debtor keeps the funds. Inquiries as to the little-known banks are sent only if there is, as they say, direct fire. If the idea is adopted, the bailiff will be sufficient to seek the association of banks, and she finds the account debtor, even if they are hidden in some small and unknown bank.

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